When should I review my plan?
Short answer
Review your plan as soon as you receive your renewal notice, and before the open enrollment deadline, so you still have time to switch.
The best time
Insurers and the Marketplace send renewal information ahead of open enrollment. That's the ideal moment to review: you'll know next year's costs, and you'll still have time to compare.
Other good times to review
- After a big life change — marriage, a new baby, a move, or a change in income
- When a doctor tells you they're leaving your plan's network
- When you start a new long-term prescription
- If you expect a planned procedure next year
What to look at
Premium, deductible, out-of-pocket maximum, your doctors and your prescriptions. Our guide on reviewing your plan before renewal walks through it step by step.
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Related questions
Can I switch plans mid-year?
For most individual and Marketplace plans, open enrollment is the main time each year to change plans. Certain life events can open a Special Enrollment Period that lets you change plans mid-year.
Do I have to do anything to renew?
Many individual and Marketplace plans renew automatically if you take no action. If your plan is discontinued, you may be moved into a similar plan.
When Can I Change My Health Insurance Plan
Navigating the American healthcare system often feels like solving a complex puzzle. One of the most common questions individuals ask is, when can i change my health insurance plan ?